El Niño is being blamed for extreme weather conditions around the world, from severe flooding in parts of the UK and violent storms in the US, to a lack of snow in the Alps and bushfires in Australia.
It has been reported that this is the third strongest El Niño since 1950, and the most powerful in the last 20 years. While this weather phenomenon can feel like a global issue, we should all be aware of how it can affect us at a local level.
Flooding
It won’t have escaped your attention that many parts of the UK have been besieged by large volumes of rainfall and flooding over the last few weeks. If you live in an area that is susceptible to flooding you should make sure you are prepared. Not only should you take physical precautions such as stocking up on sandbags, you should also make sure you have sufficient flood protection in your insurance policy.
Even if you’re not in a flood-risk area, you should prepare yourself for unusually heavy and prolonged rainfall. Such conditions can cause damage to any property, so check your roof for loose slates or tiles, and check your gutters are clear.
Storm damage
While El Niño is rarely blamed for causing storms, it can strengthen them which can bring unseasonably unsettled conditions to the UK. Be prepared for high winds, securing any loose items lying around your garden before they become missiles.
Day to day travel
Have your car battery checked, even if it’s relatively new, and also check your tyres as worn tread won’t give you the traction you need on wet and icy roads. Make sure your car is equipped with an ice scraper, de-icer, waterproof jacket, warning triangle, some small snacks to eat, a warm flask, boots and a thick blanket just in case you get stuck in any snow.
Holiday travel
Whatever your holiday plans, ensure you are covered for extreme weather. Some unlucky skiers recently found they were not adequately covered for the snow drought in the Alps. If you’re about to set off on a winter sports holiday, do make sure you are covered in the event that you can’t ski or snowboard. Most good policies will cover medical expenses, repatriation, injuries caused to other people, damage to ski equipment, unused ski passes and lessons in the event of an accident, as well as piste closures due to avalanches and bad weather. There can often be exclusions, and a lack of snow could be one of them. Check how much you would receive in the event of lost days on the piste.
The experts at PayingTooMuch.com can help you find the most appropriate insurance cover for your needs, at the best price possible.
